Smarter Debt Management: What AI Actually Changes

American consumers are carrying more debt, at higher rates, with more complexity than any previous generation -- and most are still managing it with tools that haven't meaningfully evolved in decades. This session examines how AI is changing that: what's now possible in debt optimization that wasn't before, where the biggest gaps are between current tools and consumer need, and what a genuinely useful AI-powered approach looks like versus what's just repackaged fintech.